This institution is no longer active

Operations ceased on December 2, 1999. CRA examination history below reflects the period it was active.

REALTY FINANCE, INC.

HILO, HI · Supervised by FDIC

Est. 1951FDIC #25,236RSSD: FDIC-25236

Outstanding Same

Current rating · Exam: March 1999

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -2.54%

Is this bank safe?

REALTY FINANCE, INC. earned an Outstanding CRA rating (1999), shows financial metrics that merit closer review (ROA -2.54%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

1255 Kilauea Avenue, HILO, HI

County

Hawaii County

Established

December 18, 1951

Total Assets

$11M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 1999Call Report / FDIC

Total Assets

$11M

Total Deposits

$10M

Net Loans

$6M

Net Income

$-219K

ROA

-2.54%

Below avg for Small banks. Peer avg: 0.44%

ROE

-51.14%

Risk-Based Capital

9.75%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-2.54%Peer avg: 0.44%▼ Below avg

Risk-Based Capital9.75%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 1999	Outstanding	Small Bank
Apr 1997	Outstanding	Small Bank
Oct 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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